Search

"Guilty": Erin Patterson spends first night behind bars

After spending her first night in prison as a convicted triple murderer, Victorian woman Erin Patterson is now likely to spend the rest of her life behind bars. The 50-year-old mother of two was found guilty on Monday of three counts of murder and one count of attempted murder, following the now-infamous mushroom lunch that shocked Australia and made international headlines. In July 2023, Patterson hosted a family lunch at her Leongatha home, serving beef Wellington parcels later found to be laced with deadly death cap mushrooms. Days later, her former in-laws Don and Gail Patterson, both 70, and their sister-in-law Heather Wilkinson, 66, died in hospital. Heather’s husband, Ian Wilkinson, survived but spent weeks critically ill in intensive care. As Patterson was transported from the Morwell court precinct to a Melbourne prison on Monday evening, someone in the crowd shouted “murderer” – a public outburst reflecting the emotional weight of a case that has gripped the country. The verdict came after an 11-week trial and a full week of jury deliberations. It was based largely on circumstantial evidence, including Patterson’s own testimony over eight days, forensic findings, and suspicious online activity uncovered by investigators. Dr Brianna Chesser, a forensic psychologist and criminal law expert from RMIT University, said the conviction was not surprising. “Whenever you have any lies in a trial it is quite a difficult thing to overcome from a defence perspective,” she said. “What came out regarding the mushrooms was almost insurmountable.” Among the most damning evidence was a police search of Patterson’s home, which uncovered beef Wellington scraps in a bin later confirmed to contain toxic death cap mushrooms. Prosecutors also pointed to online searches on a phone linked to Patterson, allegedly showing she had researched the lethal fungi. That device, described as her primary phone in 2023, was never recovered. The Supreme Court has since released several pieces of evidence presented during the trial, including toxicology photos, images of Patterson’s hospital visit, and a video showing her discharging herself from Leongatha Hospital within minutes of arrival, a visit that followed her own brief illness after the meal. Dr Chesser noted the highly unusual nature of the case, not only because of the method used, but because the accused was a woman. “The story captivated the world,” she said. “The vast majority of homicides are committed by men.” Patterson will return to court for a pre-sentence hearing later in 2025. She faces a mandatory life sentence for the three murders, though her mental health and lack of prior offences could be considered in sentencing. “It’s going to be quite a large sentence,” Dr Chesser said. “We’ve heard during cross-examination that there are some mental health concerns. That may well act as a mitigating factor.” As for a possible appeal, options would be limited to major legal errors or the emergence of new evidence, scenarios considered unlikely at this stage. For now, Patterson remains behind bars, the centre of one of Australia’s most chilling and tragic domestic crime cases in recent memory. Images: Sunrise

Legal

Is it OK to leave device chargers plugged in all the time?

<div class="theconversation-article-body"> How many chargers do you own? We’re surrounded by rechargeable electronic devices – mobile phones, laptops, smart watches, headphones, e-bikes and more. You might have a phone charger plugged in next to your bed without ever bothering to switch it off at the wall or unplugging it when not in use. The same might go for a laptop charger by your desk. But is that risky to do? And are there hidden costs associated with leaving chargers plugged in all the time? <h2>What’s inside a charger?</h2> Naturally, not all chargers are the same. Depending on the application and power requirement, their internal structure can range from very simple to complex. However, a typical charger takes in the AC (alternating current) from the wall plug and converts it to a low-voltage DC (direct current) suitable for your device’s battery. To understand the difference between DC and AC, consider the flow of electrons in a wire. In a DC circuit, electrons move in one direction and keep rotating in the circuit. In an AC circuit, electrons doesn’t circulate and only move back and forth. The reason for why we use both types of current goes a long way back, to the time when inventors Thomas Edison and Nicola Tesla battled over which type <a href="https://www.history.com/articles/what-was-the-war-of-the-currents">would become the default standard</a>. Today, we are <a href="https://www.energy.gov/articles/war-currents-ac-vs-dc-power">still stuck between both</a>. Electricity is traditionally generated in AC form, but modern appliances and batteries require the DC form. This is why almost every electrical appliance comes with an AC–DC converter. To do the conversion from AC to DC, a typical charger needs several electrical components such as a transformer, a circuit for doing the actual conversion, filtering elements to enhance the quality of output DC voltage, and control circuitry for regulation and protection. <h2>Chargers consume power even when not charging</h2> “Vampire power” is real. If you leave it plugged in, a charger will continuously draw a small amount of power. Part of this power is used to keep the control and protection circuits running while the rest is lost as heat. When we look at an individual small charger, the vampire power – also known as standby power – is negligible. However, if you add up all the chargers in your home for various devices, over time the wasted energy can be significant. Standby power is not exclusive to chargers, either; other electronic devices such as TVs draw a little bit of standby power, too. Depending on how many things you leave plugged in, over the course of the year it could amount to several kilowatt hours. That said, modern chargers are designed to minimise standby power consumption. These chargers come with smart power management components that keep them in sleep mode until an external device attempts to draw power. <h2>There are other risks, too</h2> Chargers wear out over time when electricity flows through them, particularly when the electricity grid voltage temporarily rises above its rated value. The electricity grid is a chaotic environment and various voltage rise events happen from time to time. Leaving your chargers exposed to these events will shorten their life. This premature ageing shouldn’t be alarming for modern devices, thanks to their improved design and control. But it is particularly concerning for cheap, uncertified chargers. These often lack appropriate levels of protection and can be a fire hazard. <h2>How should I treat my chargers?</h2> Although modern chargers are generally very safe and should be drawing minimal standby power, consider unplugging them anyway – if convenient. If a charger gets warmer than usual, makes noise, or is damaged in any way, it is time for a replacement. And it definitely shouldn’t be left plugged in.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/255016/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/glen-farivar-2373201">Glen Farivar</a>, Lecturer in Power Electronics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-ok-to-leave-device-chargers-plugged-in-all-the-time-an-expert-explains-255016">original article</a>. Image: <a class="source" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif; text-align: center;" href="https://unsplash.com/photos/white-and-black-power-strip-YrdSQ_1gYRE">Kit/Unsplash</a> </div>

Technology

"First time I've really cried": Star shares sad family news

Christina Applegate is mourning the loss of her father, Robert "Bob" Applegate, who passed away last week. The 53-year-old actress shared the heartbreaking news during an emotional episode of her podcast MeSsy, which she co-hosts with fellow actress Jamie Lynn Sigler. Applegate broke down in tears as she revealed her father had died just a week earlier, marking the first time she publicly grieved his passing. "You're probably wondering why I'm crying right now, I'm sorry," Applegate said through tears. "My dad just passed away a week ago. This is the first time I've really cried." Struggling to hold back emotion, the Dead to Me star admitted that she had been suppressing her grief. "I think kind of, like, I wasn't allowing myself to have that yet. [I was] too busy with this, too busy with that." Applegate hinted that her father's death followed an illness, though she did not share specific details. “We knew he was going to die," she said. "Is that an excuse for not feeling? Because you know that someone's gonna go, and you've said your goodbyes?” The episode of MeSsy centreed on a conversation about grief with guest JoAnna García Swisher. Sigler, aware of how raw the topic might be, warned that the discussion could be "triggering" for Applegate. At the time, Applegate believed she would be able to handle it – but as the recording unfolded, her sadness surfaced. “I thought I was going to be OK, and I’m not,” she said. “I’m insanely sad.” Christina Applegate, the only child of Bob Applegate and actress Nancy Priddy, has largely kept her family life out of the spotlight. However, she and her father did share a public moment together in 2013 on TLC’s Who Do You Think You Are, exploring their family’s roots. Bob Applegate’s passing comes during an already difficult chapter in Christina’s life. In 2021, she was diagnosed with Multiple Sclerosis (MS). She has spoken candidly about her battle with the illness, revealing on a recent episode of Dax Shepard's Armchair Expert that she has “30 lesions” on her brain. “My biggest one is behind my right eye, so my right eye hurts a lot,” she shared. Images: Instagram

Caring

Australia has the highest gambling losses in the world. Is it time for mandatory limits?

<div class="theconversation-article-body">Gambling prevalence studies provide a snapshot of gambling behaviour, problems and harm in our communities. They are typically conducted about every five years. In some Australian states and territories, four or five have been conducted over the past 20 or so years. These have provided a snapshot into how gambling has changed – and how it has not. So, how has gambling in Australia changed in the past two decades or so, and where may we be heading? <blockquote class="twitter-tweet"> Australia has the highest gambling losses in the world. Australia should: 🚫 Ban gambling ads 🎰 Introduce loss limits on pokies and online gambling 📉 Progressively cut the number of pokies in each state Our new report shows how governments should prevent gambling harm.… <a href="https://t.co/7U3IgzOLSp">pic.twitter.com/7U3IgzOLSp</a> — Grattan Institute (@GrattanInst) <a href="https://twitter.com/GrattanInst/status/1831297414080176469?ref_src=twsrc%5Etfw">September 4, 2024</a></blockquote> <h2>The intensification of gambling</h2> In 1997-98, the Productivity Commission found <a href="https://www.pc.gov.au/inquiries/completed/gambling/report/summary.pdf">about 82% of Australians</a> had gambled in the previous 12 months. Almost all further prevalence studies show the proportion of adults gambling has declined substantially over time. The <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">2024 NSW prevalence survey</a>, for example, found 54% reported gambling in the previous 12 months, down from 69% in 2006. While fewer people are gambling, the proportion of people experiencing problems has not changed much, <a href="https://www.qgso.qld.gov.au/statistics/theme/society/gambling/australian-gambling-statistics">nor has gambling turnover</a>. In some states, gambling turnover has increased, even when you take inflation into account. So while a smaller proportion of people are gambling, those who do gamble are doing so more frequently, and spend more money – a phenomenon we have described as the “intensification” of the industry. As figures from the Grattan Institute show, the vast majority of gambling spend comes from a very small proportion of people who gamble. <iframe id="Z6EYJ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Z6EYJ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>What’s the problem?</h2> Typically, the focus in gambling studies has been on “problem gamblers”, a term we now avoid because it can be stigmatising. This refers to those experiencing severe problems due to their gambling, which is typically <a href="https://www.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">about 1% of the adult population</a>, and around 2% of people who gamble. This doesn’t sound like much, until you remember 1% of adults in Australia is more than 200,000 people. That’s a lot of people struggling with severe problems. Based on recent prevalence surveys in Australia, these gamblers spend <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">about 60 times as much</a> as people who do not experience problems. However, that’s just the most severe cases. <h2>How gambling harms people</h2> When most people think of gambling harm, they think about financial harm. But gambling can cause problems with relationships, work and study, emotional and psychological harm, and <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-016-2747-0">even cause health issues</a>. Some degree of gambling harm is experienced by <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 10-15%</a> of people who gamble. Some groups are overrepresented: young men typically experience very high levels of harm compared to others. Other overrepresented groups are: <ul> <li>those who have not completed tertiary education</li> <li>people who speak a language other than English</li> <li>people who identify as Aboriginal or Torres Strait Islander.</li> </ul> Harm isn’t just experienced by people who gamble, though – it impacts the people around them. While young men are more likely to experience harm from their own gambling, <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">women, particularly young women</a>, are most likely to experience harm from someone else’s gambling. When we take all of these sources of harm into account, we get a much better picture of gambling harm in our community: <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 15-20% of all adults</a> (not all gamblers) experience harm. That’s very different to the figure of 1% we’ve focused on in the past. We’re still missing some accounting, though: we don’t know how much harm is experienced by people under 18, for example, because prevalence studies typically only include adults. <h2>Where does the harm come from?</h2> The most problematic form in Australia is pokies, responsible for <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10260219/#:%7E:text=EGMs%20are%20responsible%20for%2051,problems%20due%20to%20low%20participation.">about 51-57% of problems</a>. Casinos are responsible for <a href="https://ftp.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">another 10-14%</a>, although fewer people have been gambling in casino games in recent years. Sports betting and race betting together account for about another 19-20% of harm. Between them, pokies, casino games and sports and race betting account for about 90% of harm to Australian gamblers. <iframe id="w2wEY" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/w2wEY/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Availability is an issue</h2> This widespread availability of pokies is the biggest single driver behind gambling harm in Australia. <iframe id="hIgeD" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/hIgeD/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> In other countries, pokies are limited to venues that are specifically used for gambling, like casinos or betting shops. We have pokies in a huge number of our pubs and clubs, except in Western Australia. A couple of years ago, we used national prevalence data to compare gambling problems in WA <a href="https://akjournals.com/view/journals/2006/12/3/article-p721.xml">to the rest of the country</a>. A higher percentage of adults in WA gamble, but mostly on the lotteries which are typically <a href="https://theconversation.com/pokies-lotto-sports-betting-which-forms-of-problem-gambling-affect-australians-the-most-240665">not associated with much harm</a>. Gambling on pokies is far less prevalent in WA because they’re only available in one casino. Gambling problems and harm are about one-third lower in WA, and our analysis shows this can be attributed to the limited access to pokies. This also tells us something important. If pokies are not available, people will typically not substitute them with other harmful forms. It points to the role of the availability of dangerous gambling products in gambling harm, rather than personal characteristics. Online gambling has also become a lot more available. Most of us now have a mobile phone almost surgically implanted onto our hand, making online gambling more accessible than ever. Not surprisingly, <a href="https://www.gamblingresearch.org.au/publications/second-national-study-interactive-gambling-australia-2019-20">online gambling continues to increase</a>. <h2>An obvious solution to try</h2> Governments have taken increasingly proactive measures to help address gambling harm, such as the <a href="https://www.dss.gov.au/gambling/resource/national-consumer-protection-framework-online-wagering-national-policy-statement">National Consumer Protection Framework for Online Gambling</a>, strategies for minimising harm such as NSW’s investment into <a href="https://www.nsw.gov.au/media-releases/gambleaware-week-0">gambling harm minimisation</a>, Victoria’s <a href="https://www.theguardian.com/australia-news/2024/nov/26/victoria-pokies-changes-limits-new-laws">proposed reforms on pokies</a> including mandatory precommitment limits, Queensland’s <a href="https://www.publications.qld.gov.au/dataset/gambling-harm-min/resource/84d444db-97e0-4be0-8e87-0c6f0cb412d6">Gambling Harm Minimisation Plan</a> and the ACT’s <a href="https://www.gamblingandracing.act.gov.au/__data/assets/pdf_file/0009/1436580/Strategy-for-gambling-harm-prevention.pdf">Strategy for Gambling Harm Prevention</a>. Voluntary limits have been trialled to help people keep their gambling under control, but have had <a href="https://www.abc.net.au/news/2024-12-03/nsw-government-cashless-gaming-trial-findings-released/104679384">virtually no uptake</a>. For example, the recent <a href="https://www.liquorandgaming.nsw.gov.au/__data/assets/pdf_file/0018/1340136/evaluation-of-the-nsw-digital-gaming-wallet-trial-2024.pdf">NSW Digital Gaming Wallet trial</a> was conducted in 14 venues. Only 32 people were active users, and 14 of these were deemed genuine users. <a href="https://www.adelaide.edu.au/saces/ua/media/652/evaluation-of-yourplay-final-report_0.pdf">Another study</a> found only 0.01% of all money put through machines in Victoria used the voluntary YourPlay scheme. The problem with voluntary limits is, no one volunteers. Mandatory limits though are almost certainly necessary, just like we have mandatory limits for how fast you can drive, or how much you can drink before the bartender puts you in a taxi. There will almost certainly be push back against this, just like the introduction of mandatory seatbelts in the 1970s, or <a href="https://www.abc.net.au/news/2023-10-04/road-safety-history-australia-toll-increase/102903364">the introduction of random breath testing</a>. Now, we accept them as important public health measures. History tells us the same will happen with mandatory gambling limits, even if we’re a bit uncomfortable about it at first.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/252389/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/alex-russell-133860">Alex Russell</a>, Principal Research Fellow, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/matthew-browne-97705">Matthew Browne</a>, Senior Lecturer in Statistics, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/matthew-rockloff-569">Matthew Rockloff</a>, Head, Experimental Gambling Research Lab, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/gambling-in-australia-how-bad-is-the-problem-who-gets-harmed-most-and-where-may-we-be-heading-252389">original article</a>. Image: Shutterstock </div>

Money & Banking

AFL star's wife spends wedding anniversary in hospital amid cancer battle

AFL star Jeremy Finlayson's wife Kellie Finlayson has revealed she's had a bit of a setback with her health and is spending her second wedding anniversary in hospital. The 29-year-old is battling terminal stage four bowel cancer that metastasised in her lungs. She took to Instagram to share the update from her hospital bed, with a picture of the happy couple showing off their rings on their wedding day, and an updated photo of herself in the ward, with the caption: "Happy anniversary darl. Two years ago V. Today!" "Happy anniversary to me," she added, using a crying with laughter emoji and a bandaged love heart emoji. The AFL star shared his own anniversary message with an Instagram story, writing: "Happy anniversary <3" Kellie did not explain why she was hospitalised. The couple tied the knot back in March 2023 in South Australia. Kellie, who is a mother-of-one, was diagnosed with bowel cancer at the age of 25. She previously opened up about her diagnosis on the Nova podcast Head Game, and shared just how hard her chemotherapy treatment was. "I lost a s--t ton of weight. I mean, I had a stoma, so I had a foreign object on my stomach. I wasn't the normal mum that she should have had, but I was as good as I possibly could be. It was hard," she said at the time. "I was allergic to one of the strands of that chemotherapy, which is why, when I did relapse, I had to change chemotherapy, which meant I lost my hair. "I was on my deathbed. I was getting anaphylactic reactions every three weeks to this chemotherapy. So I was essentially dying every three weeks, just to get better." Image: Instagram

Caring

"It's time": ABC legend announces retirement

ABC’s chief election analyst Antony Green has announced his plans to step down from the public broadcaster after 30 years in his distinguished role. Green announced that he would be retiring after the next federal election, which is rumoured to take place between March and May 2025. “By the time of the next election, I’ll be 68 and I know I’m not as sharp and quick as I was five years ago,” Green said, according to the ABC. “It gets harder and harder. It’s like a footballer, sometimes they play on a season too long, and I’m making sure I don’t do that.” Green, who has covered more than 90 Australian elections, said it was “time to retire” but he would “stay on” for a couple years “handing over work and doing other things”. “Essentially I’m deciding to retire and work less,” Green said. “I got this job as an election worker 36 years ago and I decided I enjoyed doing it – I’ve done a lot of development since. It’s been a long, fun journey.” Green’s final on-air appearances will be the West Australian state election on March 8th and the federal election, which is yet to be announced. Casey Briggs will step in as ABC’s chief election and data analyst after Green's departure, as she announced he would be missed. “For more than three decades Antony Green has set the bar for election analysis. He is sharp, fast and, even under the immense pressure of the night, manages to keep his sense of humour,” Briggs said. “For me, it has been such a privilege to have had a front-row seat to watch and learn from the master at work." “We will all miss him from our screens, but I’m thankful that at least we get a couple more chances to celebrate his monumental contribution to Australia and its democracy.” ABC journalist Annabel Crabb said covering four federal elections with him had been “one of the great pleasures of (her) professional life”. “What a gift it is to our democracy and to our national broadcaster that in 1989 this wee maths nerd saw the ad in the paper for a research position at the ABC and the late Ian Carroll recognised in him the sprouts of the Tree Of Wisdom he’d become!” Crabb wrote in a social media post. “A legendary figure. A migrant success story. A generous colleague.” Image credits: ABC

Retirement Life

Returning home after a flood? Prioritise your health and take it one step at a time

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/kazi-mizanur-rahman-1057615">Kazi Mizanur Rahman</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Parts of North Queensland have received almost <a href="https://www.bbc.com/news/articles/cvgpvrgezp3o">two metres</a> of rain since the weekend, causing flash and riverine flooding that claimed the lives of <a href="https://www.brisbanetimes.com.au/national/queensland/second-death-confirmed-in-flood-hit-north-queensland-as-threat-eases-20250204-p5l9l1.html">two women</a> around Ingham. While some North Queensland residents are <a href="https://www.abc.net.au/news/2025-02-05/north-queensland-flooding-townsville-rainfall-flood-recovery/104894530">on alert</a> for more flooding, others are <a href="https://www.abc.net.au/news/2025-02-05/north-queensland-flooding-townsville-rainfall-flood-recovery/104894530">returning home</a> to assess the damage. This can be very confronting. You may have left in a rush when the evacuation order <a href="https://www.fire.qld.gov.au/aws">was issued</a>, taking only a few valuables and <a href="https://www.getready.qld.gov.au/emergencykit">necessary items</a>, and maybe your <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2024.1423501/full">pet</a>. You may have been <a href="https://pubmed.ncbi.nlm.nih.gov/37791723/">scared</a> and unsure of what would happen. Coming back and seeing the damage to the place you lived in and loved can be painful. You might also be worried about the <a href="https://pubmed.ncbi.nlm.nih.gov/35681967/">financial consequences</a>. <h2>First, focus on safety</h2> Make sure it’s <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/After-a-flood-returning-home-safely">safe to return home</a>. Check with your energy provider whether power has been restored in your area and, if so, whether it’s <a href="https://www.ewoq.com.au/news-and-publications/news/support-for-customers-affected-by-floods">safe to turn the main switch back on</a>. Do not use appliances that got wet, as electrical hazards can be <a href="https://floodlist.com/dealing-with-floods/electricity-safety">deadly</a>. Look for any <a href="https://asic.gov.au/about-asic/news-centre/news-items/what-to-do-if-you-are-affected-by-floods-in-queensland/">structural damages to your property</a> and any hazards such as <a href="https://www.asbestos.qld.gov.au/sites/default/files/asbestos-cleaning-removing-asbestos-containing-materials.pdf">asbestos exposure</a>. Watch out for sharp objects, broken glass, or slippery areas. The hardest part is cleaning up. You will need to be patient, and prioritise your health and safety. <h2>What risks are involved with flood clean ups?</h2> <a href="https://theconversation.com/dont-go-wading-in-flood-water-if-you-can-help-it-its-a-health-risk-for-humans-and-dogs-too-178027#:%7E:text=Health%20risks%20from%20flood%20water,thrive%20in%20mud%20and%20water">Floodwater</a> carries <a href="https://www.health.qld.gov.au/newsroom/doh-media-releases/health-risks-lurking-in-far-north-queensland-floodwaters#:%7E:text=Queensland%20Chief%20Health%20Officer%20Dr,risk%20of%20disease%20and%20infection.">mud</a> and <a href="https://www.publish.csiro.au/ma/Fulltext/MA23051">bugs</a>. It can also be contaminated with sewage. Contaminated flood water can cause <a href="https://theconversation.com/drinking-water-can-be-a-dangerous-cocktail-for-people-in-flood-areas-178028">gastroenteritis</a>, skin infections, conjunctivitis, or ear, nose and throat infections. Mud can <a href="https://journals.plos.org/plosntds/article?id=10.1371/journal.pntd.0010486">make you sick</a> by transmitting germs through broken skin, causing nasty diseases such as the bacterial infection <a href="https://www1.racgp.org.au/newsgp/clinical/melioidosis-a-deadly-infection-that-can-spread-aft">melioidosis</a>. Your house may also have <a href="https://www.abc.net.au/news/2022-04-04/qld-pest-controllers-report-spike-in-rats-snakes-after-floods/100958648">rodents</a>, <a href="https://www.abc.net.au/news/2022-04-04/qld-pest-controllers-report-spike-in-rats-snakes-after-floods/100958648">snakes</a>, or <a href="https://theconversation.com/after-the-floods-stand-by-for-spiders-slugs-and-millipedes-but-think-twice-before-reaching-for-the-bug-spray-157600">insects</a> that can bite. Rats can also carry diseases that contaminate water and enter your body through <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9151845/#:%7E:text=It%20is%20presumed%20that%20infection,urine%20from%20animal%20reservoir%20hosts.">broken skin</a>. Be <a href="https://asthma.org.au/triggers/flooding-and-mould/">careful about mould</a>, as it can affect the air quality in your home and make asthma and allergies worse. Stagnant water in and around your home can become a place where <a href="https://www.mdpi.com/1660-4601/16/8/1393">mosquitoes breed and spread disease</a>. <h2>How can you reduce these risks?</h2> When you first enter your flood-damaged home, open windows to let fresh air in. If you have breathing problems, wear a face mask to protect yourself from any possible air pollution resulting from the damage, and any mould due to your home being closed up. Cleaning your home is a long, frustrating and exhausting process. In this hot and humid weather, drink plenty of water and take frequent breaks. Identify any covered part of your home with sufficient ventilation which is high and dry, and where flood water did not enter. Use that as your resting space. While assessing and cleaning, wear <a href="https://www.health.nsw.gov.au/emergency_preparedness/weather/Pages/household-cleanup.aspx">protective clothing</a>, boots and gloves. Covering your skin will reduce the chance of bites and infection. Wash your hands with soap and water <a href="https://www.redcross.org.au/emergencies/coping-after-a-crisis/cleaning-up-wind-water/">as often as possible</a>. And don’t forget to <a href="https://www.torres-cape.health.qld.gov.au/about-us/news/take-care-of-health-and-safety-during-flood-and-rain-20241213">apply</a> sunscreen and mosquito repellent. Throw away items that were soaked in floodwater. These could have germs that can make you ill. Empty your fridge and freezer because the food inside is <a href="https://www.foodsafety.asn.au/when-the-power-goes-off/#:%7E:text=Food%20stored%20in%20freezers&text=If%20the%20freezer%20door%20is,food%20chilled%20for%2024%20hours.">no longer safe</a>. If there is standing water, avoid touching it. When you can, empty outdoor containers with stagnant water to prevent mosquitoes breeding. <h2>Don’t overlook your mental health</h2> When cleaning up after a flood, you may feel sad, anxious, or stressed. It’s hard to see your home in this condition. But know you are not alone. Stay connected with others, talk to your friends and families, and accept support. If you feel too overwhelmed, seek help from mental health support services in your area or contact <a href="https://www.lifeline.org.au/">Lifeline</a> on 13 11 14. On top of everything, be mindful about those who are vulnerable, such as older people and those with disabilities, as they may be <a href="https://bmjopen.bmj.com/content/12/8/e056210.abstract">more affected and find the clean up process harder</a>. Recovering from a flood takes time. Focus on what needs to be fixed first and take it step by step. <a href="https://theconversation.com/profiles/kazi-mizanur-rahman-1057615">Kazi Mizanur Rahman</a>, Associate Professor of Healthcare Innovations, Faculty of Health Sciences and Medicine, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/returning-home-after-a-flood-prioritise-your-health-and-take-it-one-step-at-a-time-248902">original article</a>. </div>

Domestic Travel

Readers response: Who's your favourite vocalist of all time?

We asked our readers who their favourite vocalist of all time is, and the response was overwhelming. Here's what they said. Regina Johnson - Barbra Streisand. Vicki Bell - Roy Orbison, hands down. Anne Denise Houghton - I think it’s a tie between Roy Orbison and Freddie Mercury. Christine Phillips - Elvis Presley. That was voice straight out of heaven. Barbara Moretti - Luciano Pavarotti and Barbra Streisand. Marilyn Sheldrick - Tom Jones. Sue McKinnon - Eric Clapton, plus his guitar ability! Kristeen Collison - John Farnham! Australian legend. Lyn Gardiner - Male: Elvis. Female: Karen Carpenter and Linda Ronstadt. Can't separate them. Mary Bartlett - Don Williams, the gentle giant. Deb Wagner - Leonard Cohen. Cheryl Barrett - Freddie Mercury hands down. Peter Brady - Aretha Franklin. Karen Turner - Rod Stewart, Robbie Williams and John Farnham. Image credits: Shutterstock

Music

Man reveals what it's like to spend 25 years at sea

Mario Salcedo has mastered life at sea, living on cruise ships for 25 years and completing his 1,000th voyage with Royal Caribbean. Salcedo, also known as "Super Mario" in cruise circles revealed that he spends around $101,000 on on cruises per year for a cabin with a balcony. The senior funds his ocean-bound lifestyle through investment management work. His loyalty to Royal Caribbean has earned him some recognition among the crew, with some ships creating makeshift offices for him on deck, complete with cordoned-off tables, chairs and signs reading "Super Mario's Office". Salcedo spoke about his love for cruising in an interview with allthingscruise.com. "Cruising never gets old," he began. "I'm so used to being on ships that it feels more comfortable to me than being on land." The full-time cruiser began his life at sea after "tiring of the suit-and-tie business world and the long flights to international clients." The Cuban-born businessman went on his first cruise in 1997 and became hooked since then. In 2000 he began living on Royal Caribbean ships, spending only a few days per year on land, and taking a short 15 month break during the Covid pandemic. Salcedo said he spends about five hours a day working and "has fun" for the rest of it. "It's zero stress," he said. "The best lifestyle I can find." Image: Wayleebird / Shutterstock.com

International Travel

Despite decades of beach safety ads, at least 55 people have drowned in Australia this summer. It’s time to change tack

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Australia is considered a nation of beach lovers. But with all this water surrounding us, drownings remain tragically common. At least <a href="https://www.royallifesaving.com.au/research-and-policy/drowning-research/summer-drowning-toll">55 people have drowned</a> in waterways in Australia so far this summer, most of whom drowned at the beach. And the season’s not over. Every drowning is a tragedy, and Australia is nowhere near the federal-government supported <a href="https://www.watersafety.com.au/australian-water-safety-strategy/">goal of zero drownings</a>. Public health agencies are <a href="https://www.news.com.au/breaking-news/australia-in-the-grip-of-a-disturbing-rise-in-summer-drownings/news-story/bf2b1595f36bb4b458b371b9fab4f7ed">concerned</a> about the drowning numbers. So how do we fix it? An important factor to consider is how beach safety messages are communicated. <h2>Another season, another campaign</h2> The peak water safety bodies in Australia, <a href="https://sls.com.au/">Surf Life Saving Australia</a> and <a href="https://www.royallifesaving.com.au/">Royal Life Saving Society – Australia</a>, work to reduce drownings in all Australian aquatic locations, from swimming pools to rivers to beaches. Their public safety campaigns aim to raise awareness of drowning and risks around the water. Australians are undoubtedly safer because of the work and advocacy of these organisations – but drowning numbers remain stubbornly high. Surf Life Saving Australia is running a new campaign this summer – <a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">Stop, Look, Stay Alive</a> – featuring Australian-born actor and filmmaker Angus Sampson. This campaign is one of many in recent years urging Australians to stay safe near the water. Others include: <ul> <li>the “swim between the flags” message</li> <li>the “<a href="https://sls.com.au/surf-life-saving-australia-launches-new-summer-safety-campaign-give-an-f-about-the-flags/">give an F about the flags</a>” campaign</li> <li>the <a href="https://sls.com.au/slsa-draws-the-line-on-rips/">“think line”</a> campaign, which urges people to “stop, look and have a plan”</li> <li>the <a href="https://www.floattosurvive.au/">“float to survive”</a> campaign, which urges people to <a href="https://static1.squarespace.com/static/5f7cf9fd8c3f251339c3dfa8/t/65ea851cbcbf287ede28cdc3/1709868332878/Float+to+Survive+Report.pdf">float if they’re in trouble in the water or stuck in a rip</a></li> <li>the <a href="https://www.royallifesaving.com.au/about/campaigns-and-programs/respect-the-river">“respect the river”</a> campaign.</li> </ul> But the tragic number of drownings, particularly during summer, suggests not everyone is heeding the message. In fact, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public.">Australian researchers in 2022 found</a> no evidence to suggest beach drowning deaths in Australia have reduced over the long term. This, the researchers said: <blockquote> rais[es] questions regarding the effectiveness of existing strategies designed to communicate messages and information about beach safety and hazards to the public. </blockquote> <h2>Changing how we communicate</h2> <a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">According to Surf Life Saving Australia</a> the current Angus Sampson campaign aims to be: <blockquote> appealing to more Aussies, in particular men who continue to swim at unpatrolled locations and take unnecessary risks. </blockquote> As the <a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">organisation notes</a>, 86% of all drowning deaths on Australia’s coast last year were men. The campaign involves ads on television and online, as well as outdoor advertising. The decision to use a mix of platforms is wise. But the use of a TV and movie celebrity may not be effective. A <a href="https://archive.acrs.org.au/files/arsrpe/RS030057.pdf?utm">review looking at road safety campaigns</a>, for example, found limited evidence of celebrity effectiveness in improving safety outcomes. Could it be more effective to, for example, <a href="https://academic.oup.com/heapro/article/38/2/daad034/7143327">use a TikTok star</a> who is hugely popular among young males? Research suggests using the <a href="https://www.tandfonline.com/doi/full/10.1080/28355245.2024.2350155">right platform</a> and “<a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7501494">voices that matter</a>” offer benefits when delivering safety messages. This is in part due to the <a href="https://www.tandfonline.com/doi/full/10.1080/17524032.2023.2237693">emotional connection</a> people form with these social media stars, which can result in behaviour change. When asked for evidence to show the current public messaging campaigns are working, Surf Life Saving Australia (SLSA) told The Conversation: <blockquote> SLSA is committed to preventing drowning through holistic, evidence-based approaches, combining awareness programs like Stop Look Stay Alive with lifesaving services, in-person programs, and education. This summer alone, lifesavers have performed over <a href="https://sls.com.au/coastal-safety/sls-research/national-summer-coastal-drowning-data/">2,500 rescues and 700,000 preventative actions</a>. Despite population growth, <a href="https://www.sciencedirect.com/science/article/pii/S1326020023000961">coastal drowning has remained stable</a>. This summer, 32 coastal drownings have been reported, fewer than the <a href="https://sls.com.au/coastal-safety/sls-research/national-summer-coastal-drowning-data/">same period last year</a>. SLSA focuses on behaviour change through initiatives like beachpassport.org.au (with 21,000+ “passports” issued already!), and on-beach programs that have provided active community learning <a href="https://www.sciencedirect.com/science/article/pii/S2212420924007040">opportunities</a>. It’s too early to comment on the broader effectiveness of Stop Look Stay Alive, however preliminary campaign results show positive impact and an evaluation will be conducted by <a href="https://www.beachsafetyresearch.com/">UNSW Beach Safety Research Group</a> later this year. </blockquote> <h2>Rethinking ‘swim between the flags’</h2> Many current beach messaging approaches, <a href="https://sls.com.au/1281-reasons-swim-flags/">including “swim between the flags”</a>, compel people to fit into what the system wants. But many beaches <a href="https://theconversation.com/australian-beachgoers-are-told-to-always-swim-between-the-flags-but-what-if-there-arent-any-220043">don’t have flags</a>. And not everyone stops or looks for flags, signs, or even the conditions before they go into the water. And studies show while most domestic beachgoers know to swim between the flags, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public">many choose not to</a> because, for example, people are located closer to beaches without flags or lifeguard patrols. What’s more, research suggests overseas visitors to Australia do not always understand <a href="https://www.sciencedirect.com/science/article/abs/pii/S0925753522003058">what “swim between the flags” means</a> or terms often used on common beach safety <a href="https://www.sciencedirect.com/science/article/pii/S0925753523003089">signage</a> such as “shore dump” and “shore break”. One 2021 <a href="https://www.sciencedirect.com/science/article/pii/S0925753523003089">study</a> found 21% of international students perceived “always swim between the flags” to mean that beachgoers who don’t or can’t swim need to stay outside the flags. This shows that current strategies aren’t resonating with all beach users, and there’s a need to reassess beach safety messaging. <h2>Changing tack</h2> Other forms of public safety messaging should also be considered when trying to reduce drowning numbers in Australia. For example, <a href="https://onlinelibrary.wiley.com/doi/full/10.1002/hpja.785">people who have been caught in rip</a> might be encouraged to tell their stories publicly. Research into other areas of <a href="https://journals.sagepub.com/doi/full/10.1177/10732748241237328">public health communication</a>, such as vaccines, suggest this can form the basis of an effective campaign. <a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public.">Research also suggests</a> teaching beachgoers about coastal science can improve beach safety behaviour. For example, people can be taught about how rip currents work, using images of dye released into the water. Crucially, consensus is needed on which <a href="https://www.jsams.org/article/S1440-2440(06)00231-3/abstract">key messages to prioritise</a>. Too much differing messaging <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8807320/?utm_source">may lead to message fatigue or confusion</a> about which message is most important to follow. Messaging on beach safety to date has surely prevented drowning. But the stubborn drowning toll highlights the need to evaluate what is not working. Clear and consistent messaging, using modern platforms and engaging influencers may help us to get to zero drownings sooner.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/245747/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, PhD Candidate, UNSW Beach Safety Research Group + School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/despite-decades-of-beach-safety-ads-at-least-55-people-have-drowned-in-australia-this-summer-its-time-to-change-tack-245747">original article</a>. </div>

Domestic Travel

Home ownership is slipping out of reach. It’s time to rethink our fear of ‘forever renting’

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/dorina-pojani-413644">Dorina Pojani</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> A wide range of voices in the Australian media have been <a href="https://www.theguardian.com/australia-news/2024/dec/05/share-with-parents-or-rent-forever-i-have-put-life-on-hold-while-trying-to-buy-a-house">sounding the alarm</a> about the phenomenon of “forever-renting”. This describes a situation in which individuals or families are <a href="https://www.abc.net.au/news/2024-08-10/young-people-priced-out-of-home-ownership/104202602">unable to transition</a> from renting to home ownership, due to rising property values and wages that can’t keep up. Forever-renting is often framed as a terrible condition that should be avoided at all costs – that renting is only acceptable in the short term, as an individual or family saves for a down-payment. The underlying implication is that the ultimate goal in life for just about every Australian should be to own a house – or at least a condominium unit. This only serves to stigmatise renters, who currently make up <a href="https://www.abs.gov.au/statistics/people/housing/housing-occupancy-and-costs/2019-20">nearly a third</a> of Australian households. Demographic research indicates <a href="https://www.jstor.org/stable/24639395">about 15% of Australia’s population</a> changes address every year. Many of these moves require rental accommodation. And, yes, millions of Australians will <a href="https://www.ahuri.edu.au/analysis/news/rising-proportion-forever-renters-requires-tax-and-policy-re-think">rent for their whole life</a>. Clearly, we need to change our thinking around renting to bring it into step with reality. We must accept that the proportion of renters may never go down – or may even increase – and that that’s not necessarily a bad thing. <h2>Where did this attitude come from?</h2> The Australian tradition of home ownership was established in the early decades of European settlement. To make what we now call the “Australian dream” happen, the continent had to be treated as a tabula rasa, or blank slate. A mass of Indigenous people were <a href="https://theconversation.com/refugees-in-their-own-land-how-indigenous-people-are-still-homeless-in-modern-australia-55183">dispossessed</a>. Migration to Australia offered impoverished Britons an opportunity to own a house and plenty of land. In the old country, in contrast, real estate ownership had been a privilege of the gentry. Postwar waves of immigrants from southern Europe and East Asia were also intent on home ownership. In a low-density nation with smallish cities and cheap land, owning a home made sense. Now, urban land is no longer cheap and our <a href="https://www.apimagazine.com.au/news/article/scale-of-urban-sprawl-in-australia-hurting-more-than-just-the-environment">cities have sprawled</a> beyond what’s sustainable. <h2>Renting can have advantages</h2> The first step towards rethinking renting as a norm is acknowledging it can have some significant and often overlooked advantages. For some, renting is a <a href="https://www.emerald.com/insight/content/doi/10.1108/09604521011027598/full/html">lifestyle preference</a>. Ownership comes with burdens such as house and garden maintenance. This makes renting much more convenient and carefree for some demographics, including young people and older adults. Another key advantage of renting is the <a href="https://www.google.com.au/books/edition/Homeownership_and_the_Labour_Market_in_E/GwoUDAAAQBAJ">employment flexibility</a> it can provide. Renters can look for work outside their commute range and are less tied to particular employers. There’s some evidence that high levels of home ownership could even damage the overall labour market. Previous <a href="https://www.nber.org/papers/w19079">research</a> by the US National Bureau of Economic Research has shown that increasing home ownership leads to less labour mobility, longer commutes, and fewer new businesses because homeowners are less likely to move. <h2>Safe as houses?</h2> One common argument against renting is that investing in your own home is a “safe bet”. But we perhaps need to rethink this unquestioned reliance on housing as a store of wealth. Those who enter the housing market for investment purposes should be aware of several issues. Over the long term, housing prices have historically shown a <a href="https://www.dpn.com.au/articles/house-price-growth-australia-over-30-years">general upward trajectory</a>, driven by population growth and limited land supply in desirable areas. In the short term, however, housing prices can be <a href="https://press.uchicago.edu/ucp/books/book/chicago/H/bo20832545.html">quite volatile</a>. They may move up, down, or stay the same. This depends on broader economic cycles, market conditions and interest rates. Think of the housing bubble in the United States, which led to a global recession in 2008, or the <a href="https://www.abc.net.au/news/2025-01-07/china-property-crash-a-warning-for-australian-housing-market/104788660">current downturn in China</a>. The cycles in property prices are often worsened by <a href="https://www.jstor.org/stable/1914185">psychological biases</a> that can lead to overoptimism during booms or panic during busts. Investors may win or lose. <h2>Compounded by climate change</h2> In the contemporary era, we also need to factor in climate change. Areas that are currently desirable may become unappealing before too long – due to <a href="https://www.climatecouncil.org.au/resources/how-hot-will-your-neighbourhood-be-by-2050/">heatwaves</a>, <a href="https://theconversation.com/one-of-the-most-extreme-disasters-in-colonial-australian-history-climate-scientists-on-the-floods-and-our-future-risk-178153">floods</a> or <a href="https://theconversation.com/la-is-on-fire-how-will-australia-cope-when-bushfires-hit-sydney-melbourne-or-another-major-city-246967">fires</a>. Natural disasters, or even just growing disaster risks, can prompt large drops in property prices and massive population movements. To illustrate: during the pandemic, South East Queensland began to draw many domestic migrants as other states struggled to contain the virus. People from cooler southern states were also attracted by the region’s mild winter climate. In 2024, Brisbane became Australia’s <a href="https://www.realestate.com.au/news/uneven-price-growth-reshuffles-rankings-of-australias-most-expensive-cities/">second-most expensive</a> city for property values. That might appear to bode well for property buyers who’ve invested millions of dollars. But one <a href="https://rmets.onlinelibrary.wiley.com/doi/abs/10.1002/joc.5998">2019 study</a> has predicted that temperature rises could make Brisbane “<a href="https://www.abc.net.au/news/2019-06-22/temperature-increases-from-climate-change-brisbane-unliveable/11227404">unbearably hot</a>” by 2050. In this context, renters may be more adaptable than owners. <h2>A more renter-friendly Australia</h2> None of this is to argue that everyone should be a renter, or that renters should be left to the whims of the market. In Australia, current rent increases are <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">outpacing</a> both wage growth and inflation (CPI). The rental affordability crisis has driven a <a href="https://homelessnessaustralia.org.au/rough-sleeping-surges-as-homelessness-crisis-worsens-new-report/">recent surge</a> in homelessness. There is a wide range of policy tools available to us, many of which have been shown to <a href="https://www.abc.net.au/news/2024-10-16/build-to-rent-fix-housing-crisis-australia-us-uk-hong-kong/104458458">work relatively well in other countries</a> and could be adopted here. These include: <ul> <li> <a href="https://thefifthestate.com.au/housing-2/the-case-for-rent-control-and-historical-norms-in-rent-increases/">rent caps</a>, which tie allowable rent increases to the CPI (Australia already <a href="https://treasury.gov.au/sites/default/files/2019-03/round5-5.pdf">regulates the price of utilities</a> in this way) </li> <li> nationwide no-ground eviction bans (already in place in <a href="https://www.choice.com.au/money/property/renting/articles/no-grounds-evictions-update">some states</a>) </li> <li> normalisation of <a href="https://www.abc.net.au/news/2021-06-28/how-to-find-a-long-term-rental-home/100217074">long-term leases</a> beyond 12 months and restrictions on <a href="https://cities-today.com/barcelona-set-to-ban-short-term-rentals/">short-term rentals such as Airbnb</a> </li> </ul> More vulnerable renters, including people with disabilities, single parents, victims of domestic abuse, those on low incomes, and older retirees, need extra protections. The supply of rental units should also be increased, through <a href="https://www.ahuri.edu.au/analysis/brief/what-build-rent">build-to-rent</a> and <a href="https://www.statedevelopment.qld.gov.au/news-and-events/granny-flats-provide-housing-choice-in-tight-rental-market">granny flat</a> construction, for example. Landlords should not be vilified either. In an unregulated market, they are often cast as “<a href="https://www.realestate.com.au/news/robber-barons-great-landlord-myth-exposed/">robber barons</a>” and “<a href="https://www.theguardian.com/commentisfree/2018/apr/16/landlords-social-parasites-last-people-should-be-honouring-buy-to-let">social parasites</a>”. If tenants were protected from excessive rent increases and evictions, landlordism could also be recast as an essential service that yields reasonable profits to providers.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/245848/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dorina-pojani-413644">Dorina Pojani</a>, Associate Professor in Urban Planning, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/home-ownership-is-slipping-out-of-reach-its-time-to-rethink-our-fear-of-forever-renting-245848">original article</a>. </div>

Money & Banking

Research suggests those who use buy-now-pay-later services end up spending more

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing. True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one. That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase. In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services. BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months. There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit. But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes. <h2>Our research</h2> We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL. We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t. This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things. Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217). It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries. Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell. Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash. <h2>Why might they be spending more?</h2> It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit. The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers. It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments. This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon. Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option. <h2>A growing influence on spending</h2> The economic impact of BNPL is substantial in the countries that have pioneered its adoption. In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year. Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels. Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants. <h2>Buyer, beware</h2> BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly. That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away. Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit. Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/246686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>. </div>

Money & Banking

John Farnham to become a grandfather for the first time

John Farnham is set to become a grandfather for the first time. On Thursday, the legendary singer's son James took to Instagram to announce that his partner Tessa is pregnant with a baby boy due later this year. The clip showed James setting alight a burn away cake with the words "coming 2025" inscribed on it. The inscription peeled away to reveal the word "Boy", confirming that the couple are having a son. He also shared a photo of an ultrasound of their unborn baby's hand, with the caption: "Coming 2025! Tessa, I love you so much!" James' celebrity friends were quick to congratulate the couple's joyous baby news. "Congratulations guys. Great news to kick off the year," wrote Sunrise weatherman Sam Mac's fiancée Rebecca James. "Ahhhhhhh this is the best ever! So happy for you guys," added Neighbours star Bonnie Anderson. "Yeah wooohooo, so happy for you both. Congratulations to the coolest parents," wrote one person. "Woohoo! Massive congratulations to you both! Baby Boy is very lucky to have you both as their mummy and daddy! Big love," added another. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DEj0BaHzmRM/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DEj0BaHzmRM/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by James Farnham (@jimbofarnham)</a> </div> </blockquote> James has been in a relationship with Tessa for several years, and even attended the premiere of the John Farnham: Finding the Voice documentary together in Melbourne in 2023. The joyful news comes after a challenging period for Farnham and his family following his battle with mouth cancer. In August 2022, Farnham underwent surgery and treatment for mouth cancer. The following year, he was declared cancer free following multiple surgeries and eight weeks of radiation therapy. However, the beloved singer later shared that the life-saving surgery has left him unable to sing. “My facial disfigurement from the surgery means I can’t open my mouth wide enough for a strip of spaghetti, let alone to sing,” Farnham said in an excerpt from his memoir published by the Sydney Morning Herald. “I can’t get the movement to make the sounds I want to make, that’s where the vibrations and my voice come from. It’s a very disconcerting thing. And trying hurts.” Despite the challenges, the legendary singer hopes that he will be able to perform again one day. “I was given a gift and to be able to get out there and affect people in some way was special, I would like to continue doing that,” he said. “Though I am not putting all my hopes into it, we’ll see.” Images: Instagram

Family & Pets

Women spend more of their money on health care than men. And no, it’s not just about 'women’s issues'

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Medicare, Australia’s <a href="https://www.health.gov.au/topics/medicare?language=und">universal health insurance scheme</a>, guarantees all Australians access to a wide range of health and hospital services at low or no cost. Although access to the scheme is universal across Australia (regardless of geographic location or socioeconomic status), one analysis suggests <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">women often spend more</a> out-of-pocket on health services than men. Other research has found men and women spend similar amounts on health care overall, or even that men spend <a href="https://www.publish.csiro.au/ah/pdf/AH18191">a little more</a>. However, it’s clear women spend a <a href="https://www.publish.csiro.au/ah/pdf/AH18191">greater proportion of their overall expenditure</a> on health care than men. They’re also more likely to <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">skip or delay medical care</a> due to the cost. So why do women often spend more of their money on health care, and how can we address this gap? <h2>Women have more chronic diseases, and access more services</h2> Women are <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/health-conditions-prevalence/latest-release">more likely</a> to have a chronic health condition compared to men. They’re also more likely to report having multiple chronic conditions. While men generally die earlier, women are more likely to spend more of their life <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(24)00053-7/fulltext">living with disease</a>. There are also some conditions which affect women more than men, such as <a href="https://theconversation.com/how-biological-differences-between-men-and-women-alter-immune-responses-and-affect-womens-health-208802">autoimmune conditions</a> (for example, multiple sclerosis and rheumatoid arthritis). Further, medical treatments can sometimes be <a href="https://aci.health.nsw.gov.au/__data/assets/pdf_file/0007/967984/CIU-Evidence-Brief-Gender-disparity-and-gender-equality-measures-in-health.pdf">less effective for women</a> due to a focus on men in medical research. These disparities are likely significant in understanding why women <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">access health services</a> more than men. For example, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">88% of women</a> saw a GP in 2021–22 compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">79% of men</a>. As the number of GPs <a href="https://practices.hotdoc.com.au/blog/the-decline-of-bulk-billing-and-its-impact-on-general-practice-in-australia/#:%7E:text=The%20Medicare%20rebate%20for%20patients,to%20ensure%20their%20financial%20sustainability.">offering bulk billing</a> continues to decline, women are likely to need to pay more out-of-pocket, because they <a href="https://www.aihw.gov.au/getmedia/32ea8a7f-50d5-4047-b70b-92dd63d387b8/aihw-phe239-240-factsheet.pdf.aspx">see a GP more often</a>. In 2020–21, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">4.3% of women</a> said they had delayed seeing a GP due to cost at least once in the previous 12 months, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">2.7% of men</a>. Data from the <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/2020-21">Australian Bureau of Statistics</a> has also shown women are more likely to delay or avoid seeing a mental health professional due to cost. Women are also more likely to need prescription medications, owing at least partly to their increased rates of chronic conditions. This adds further out-of-pocket costs. In 2020–21, <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">62% of women</a> received a prescription, compared to 37% of men. In the same period, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">6.1% of women</a> delayed getting, or did not get prescribed medication because of the cost, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">4.9% of men</a>. <h2>Reproductive health conditions</h2> While women are disproportionately affected by chronic health conditions throughout their lifespan, much of the disparity in health-care needs is concentrated between the first period and menopause. Almost <a href="https://www.jeanhailes.org.au/news/impact-of-pelvic-pain-vastly-underestimated">half of women</a> aged over 18 report having experienced chronic pelvic pain in the previous five years. This can be caused by conditions such as endometriosis, dysmenorrhoea (period pain), vulvodynia (vulva pain), and bladder pain. <a href="https://www.aihw.gov.au/news-media/media-releases/2023/2023-september/1-in-7-australian-women-aged-44-49-have-endometriosis">One in seven women</a> will have a diagnosis of endometriosis by age 49. Meanwhile, a quarter of all women aged 45–64 <a href="https://www.jeanhailes.org.au/research/womens-health-survey/menopause-in-australian-women">report symptoms</a> related to menopause that are significant enough to disrupt their daily life. All of these conditions can significantly reduce quality of life and increase the need to seek health care, sometimes including surgical treatment. Of course, conditions like endometriosis don’t just affect women. They also impact <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10501128/">trans men</a>, intersex people, and those who are gender diverse. <h2>Diagnosis can be costly</h2> Women often have to wait <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9518795/">longer to get a diagnosis</a> for chronic conditions. One <a href="https://www.medrxiv.org/content/10.1101/2023.10.12.23296976v2.full-text">preprint study</a> found women wait an average of 134 days (around 4.5 months) longer than men for a diagnosis of a long-term chronic disease. Delays in diagnosis often result in <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">needing to see more doctors</a>, again increasing the costs. Despite affecting about as many people as diabetes, it takes an average of between <a href="https://pubmed.ncbi.nlm.nih.gov/33050751/">six-and-a-half</a> to <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">eight years</a> to diagnose endometriosis in Australia. This can be attributed to a <a href="https://pubmed.ncbi.nlm.nih.gov/35928674/">number of factors</a> including society’s normalisation of women’s pain, poor knowledge about endometriosis among some health professionals, and the lack of affordable, non-invasive methods to accurately diagnose the condition. There have been recent improvements, with the introduction of <a href="https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/historic-medicare-changes-for-women-battling-endometriosis#:%7E:text=In%20addition%20to%20the%20specialised,with%20complex%20histories%20and%20symptoms.">Medicare rebates for longer GP consultations</a> of up to 60 minutes. While this is not only for women, this extra time will be valuable in diagnosing and managing complex conditions. But gender inequality issues still exist in the Medicare Benefits Schedule. For example, both pelvic and breast ultrasound rebates are <a href="https://womensagenda.com.au/latest/the-gender-medicare-gap-is-seeing-women-pay-more-for-ultrasounds-and-other-health-services/">less than a scan for the scrotum</a>, and <a href="https://www.endozone.com.au/treatment/MRI">no rebate</a> exists for the MRI investigation of a woman’s pelvic pain. <h2>Management can be expensive too</h2> Many chronic conditions, <a href="https://www.tandfonline.com/doi/full/10.1080/0167482X.2020.1825374?casa_token=yIlFZg_vJxsAAAAA%3ALwSa5DBMoDDWTiZsU1FC0MLLXkDd_eWBrGa2gr8b6NeRevp4ynlsTD_IMMYV_ek766j2P5C-B4Qy#d1e167">such as endometriosis</a>, which has a wide range of symptoms but no cure, can be very hard to manage. People with endometriosis often use allied health and <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/imj.15494?casa_token=1sc4ZMGvDjIAAAAA%3AIrIY2B-RNVDDnUPMSsHI4axnBiTv-omNDHGlNSpsrm_qbMGY9iQ4htIyco5mj-Qhd7krsp7rfHtcbQ">complementary medicine</a> to help with symptoms. On average, women are more likely than men to use both <a href="https://www.racgp.org.au/afp/2017/may/patterns-of-complementary-and-alternative-medi-2">complementary therapies</a> and <a href="https://www.aihw.gov.au/reports/primary-health-care/general-practice-allied-health-primary-care">allied health</a>. While women with chronic conditions can access a <a href="https://www.servicesaustralia.gov.au/chronic-disease-management-plan?context=20">chronic disease management plan</a>, which provides Medicare-subsidised visits to a range of allied health services (for example, physiotherapist, psychologist, dietitian), this plan only subsidises five sessions per calendar year. And the reimbursement is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9346321/">usually around 50% or less</a>, so there are still significant out-of-pocket costs. In the case of chronic pelvic pain, the cost of accessing allied or complementary health services has been found to average <a href="https://link.springer.com/article/10.1186/s12905-022-01618-z">A$480.32 across a two-month period</a> (across both those who have a chronic disease management plan and those who don’t). <h2>More spending, less saving</h2> Womens’ health-care needs can also perpetuate financial strain beyond direct health-care costs. For example, <a href="https://www.ncbi.nlm.nih.gov/pubmed/31600241">women with endometriosis</a> and chronic pelvic pain are often caught in a cycle of needing time off from work to attend medical appointments. Our <a href="https://www.researchsquare.com/article/rs-5480104/v1">preliminary research</a> has shown these repeated requests, combined with the common dismissal of symptoms associated with pelvic pain, means women sometimes face discrimination at work. This can lead to lack of career progression, underemployment, and premature retirement. Similarly, with <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">160,000 women</a> entering menopause each year in Australia (and this number expected to increase with population growth), the <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/Menopause/Report/Chapter_3_-_Impact_on_work_and_the_economic_consequences_of_menopause#:%7E:text=3.1This%20chapter%20explores%20the,on%20partners%20or%20family%20members.">financial impacts</a> are substantial. As many as <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">one in four women</a> may either shift to part-time work, take time out of the workforce, or retire early due to menopause, therefore earning less and paying less into their super. <h2>How can we close this gap?</h2> Even though women are more prone to chronic conditions, until relatively recently, much of medical research has been <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8812498/">done on men</a>. We’re only now beginning to realise important differences in how men and women experience certain conditions (such as <a href="https://www.annualreviews.org/content/journals/10.1146/annurev-neuro-092820-105941">chronic pain</a>). Investing in women’s health research will be important to improve treatments so women are less burdened by chronic conditions. In the 2024–25 federal budget, the government committed $160 million towards <a href="https://www.health.gov.au/ministers/the-hon-ged-kearney-mp/media/reforming-the-health-system-to-improve-sexual-and-reproductive-care">a women’s health package</a> to tackle gender bias in the health system (including cost disparities), upskill medical professionals, and improve sexual and reproductive care. While this reform is welcome, continued, long-term investment into women’s health is crucial.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243797/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, Associate Professor at NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, Postdoctoral Research Fellow in Reproductive Health, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, PhD Candidate, NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, PhD Candidate, Health Communication and Health Sociology, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, Senior Lecturer, School of Business, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/women-spend-more-of-their-money-on-health-care-than-men-and-no-its-not-just-about-womens-issues-243797">original article</a>. </div>

Caring

The 15 best destinations to spend Christmas

While many people love to stay home and celebrate Christmas with family, there are always people who decide to spend their December travelling to experience the festive season around the globe. Especially for those in Australia and New Zealand who are accustomed to scorching temperatures over Christmas, many like to jet set and see what the festive season is like in colder climates. While every country gets into the festive spirit in different ways, there are specific locations that offer a tremendous holiday atmosphere to ensure you’re in the Christmassy mood, no matter where in the world you are. From England to the Philippines, there are 15 destinations that traditionally offer up some of the best holiday experiences for a Christmas-drenched vacation. Unsurprisingly, Santa’s unofficial home of Lapland in Finland is always a hotspot for Christmas travels. Finland takes festive celebrations to the next level, as children here make gingerbread cookies with Mrs. Claus, enroll in Elf School or take a calligraphy class, and compose their Christmas wish lists with a traditional quill. Visitors can also take photos with Santa, go on sled rides with reindeer, and meet baby polar bears in the Ranua Wildlife Park. Check out the entire top 15 list of best Christmas destinations below. 15. New York City, USA 14. Queenstown, New Zealand 13. Strasbourg, France 12. Salzburg and Oberndorf, Austria 11. San Miguel de Allende, Mexico 10. Quebec City, Canada 9. Malta 8. Nuremberg, Germany 7. Nairobi, Kenya 6. Barcelona, Spain 5. San Fernando, Philippines 4. Bath, England 3. Bethlehem, Pennsylvania, USA 2. Bogotá, Colombia 1. Rovaniemi, Lapland, Finland Image credits: Shutterstock

International Travel

"About time": Coles bold parking move sparks debate

Frustrated staff at a Coles-owned bottle shop in Brisbane have taken matters into their own hands and retaliated against drivers flouting parking rules outside their store. Management at a First Choice Liquor Market store in Newstead have locked in cars taking advantage of the customer-only spaces. It is understood that some cars remain parked in the 15-minute spots for extended periods, sometimes overnight, despite signs saying that fines apply. A photo shared on Facebook showed a car with P-plates blocked in by a yellow bollard and note that read: "Due to you not adhering to the parking rules, your vehicle has been locked in by management and will be kept on record." "Please see First Choice management to discuss your options". A local woman who shared the photos said there "were at least two other cars locked in" when she was passing by this week. Locals were divided by the store's actions, but many supported their decision. "About time. Pub takes all the spaces," one said. "I’ve been there when the store opens and there have been no car spaces available". "Don’t park where you shouldn’t. It’s simple," another added. A third said it was "about bloody time" something was done about the parking. However, a few others had a more understanding approach, with one local saying that the limited parking in a large apartment complex across the road could be contributing to the limited parking. Another suggested the staff had gone too far, noting the importance of being able to "flee" in a hurry, particularly in violent situations. "The thought of their vehicle being blocked in by bollard, should an unthinkable situation arise, is horrific to think of," she said. "While I understand this would be frustrating for your shop, it could be putting someone’s life in danger — as another perspective to think of." Coles have responded to the management's actions explaining that their commitment to customers means providing "parking and clear access to our stores." "The Newstead store carpark is owned by Coles and has signage throughout the carpark informing locals about parking time restrictions which are also painted on the parking bays," a Coles spokesperson told Yahoo News. "To ensure we are making our stores more accessible for customers, our store team may use its discretion to remind the community of the parking rules.” Images: Facebook

Legal

Lindt Cafe siege hero revealed for the first time

The name of the hero police officer who killed terrorist Man Haron Monis ten years ago during the Lindt Cafe siege in Sydney has finally been revealed. For the last decade, Ben Besant was only known as Officer A, his name suppressed for his own protection. Now, he can finally tell his story publicly for the first time, following a court decision to lift his suppression order on Friday. “I’m never one to walk away from a fight, and I have been fighting for a long time to have my name returned to me,” he told told Seven’s Spotlight program. The former NSW Police Tactical Operations Unit Officer led the assault and fired the final shots that took Monis down. While the suppression order was for his own protection, Besant said that not being able to tell anyone about the moment aggravated his PTSD, that cost him his career, marriage and home. “It’s become such a big issue for me to be able to get my name back,” he said. The siege lasted 17-hours and Besant told Spotlight that it took 17 shots to bring down the terrorist. His mission now is to help other frontline responders deal with the effects of PTSD. Besant added that having his identity back will help him deal with what has become the most difficult day of the year for him. The decision comes two weeks before the 10-year anniversary of the siege. On the morning of December, 15, 2014, Monis took eight staff members and 10 customers hostage inside the popular cafe on Martin Place, Sydney. Police quickly evacuated the area and surrounded the building, as the terrorist claimed he was armed and had a bomb in his backpack. At 2.13am the next morning the cafe’s manager, Tori Johnson, 34, was shot dead by Monis, promoting police to storm the building. Barrister and Sydney mother-of-three, Katrina Dawson, 38, died when she was hit by fragments of police bullets. Images: Seven/Spotlight

Legal

Track your spending, use cash and DIY gifts: how to keep your costs down this Christmas

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/angelique-nadia-sweetman-mcinnes-1361909">Angelique Nadia Sweetman McInnes</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Australians are expected to spend more this Christmas than last, with spending projected to rise to <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">A$69.7 billion</a>. This is a 2.7% increase on what we spent last year on gifts, food and other treats for ourselves and others. This is a lot at a time when many people are experiencing mortgage stress and high inflation. But by employing smart budgeting and spending strategies we can enjoy a festive Christmas season without huge financial stress. <h2>Know how much you are spending</h2> Being aware of what you are spending is important. So you don’t spend beyond your means, you need to decide what you are going to buy and track what you spend. Using budgeting tools in your banking app will help you monitor your spending. Your bank’s app or a <a href="https://www.savings.com.au/savings-accounts/budgeting-and-saving-apps">variety of budgeting apps</a>, can also help you find deals and stick to your financial goals. <a href="https://doi.org/10.1093/jcr/ucac024">Research</a> shows spending decreases when you use an online budgeting app by 15%. Christmas budgeting means setting clear limits, like a gift allowance for each person of, for example, under $10, $25, $50 or $100. This helps us stay on track. Before shopping, we should also ask ourselves: “Is this worth buying?” or “Do I really need this?”. <h2>How to bag a bargain</h2> About <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">63% of Australian consumers</a> say they start their shopping in November, before the last-minute push to fill the Christmas stockings. This enables them to take advantage of the Black Friday sales on now and Cyber Monday, next Monday. Online research can uncover decent bargains to lower Christmas spending. Or you could wait until the Boxing Day sales to buy discounted gifts for people you don’t see until after December 25. The post-Christmas sales are also good for stocking up on heavily discounted crackers and decorations for next year. <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">Most Australian shoppers</a> (89%) are combining online (websites, mobile apps, social media) with physical in-store shopping. <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">Major online retailers</a> such as Amazon, eBay, and The Iconic (69%) are now more popular than department stores (59%). There are also thrift and discount stores which offer affordable gifts while using their income to help those in need. By using the internet to compare prices and set price alerts for goods you want to buy, you are more likely to get the best deals. Take time to search for store discounts. Using loyalty programs, coupons, promo codes, and free shipping also helps keep money in your pocket. <h2>Why cash at Christmas is better</h2> The <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques#:%7E:text=The%20Government%20will%20mandate%20that,will%20not%20be%20left%20behind.">federal government’s decision</a> last week to require businesses to accept cash, not just credit or debit cards, also has benefits for saving. Cash purchases encourage you to spend wisely, set your <a href="https://resources.depaul.edu/financial-fitness/tackle-overspending/Pages/solutions-for-overspending.aspx">spending limit, and prevent you from overspending, or paying interest and fees on cards</a>. There is also the old “<a href="https://www.ramseysolutions.com/budgeting/envelope-system-explained">cash envelope system</a>” used for centuries and popularised in the 1990s to help curb spending. This sees cash divided into envelopes, each labelled for a specific expense (for example, gifts for A, B, C). Once the money in the envelope is gone, nothing more can be spent. One way to help boost your Christmas budget; while simultaneously decluttering, your home is to sell items you no longer use. There are numerous online sites and bricks and mortar stores where this can be done. <h2>Saving money with DIY</h2> In 2024, Australians will spend an average of <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">$660 per shopper on gifts</a>, with popular choices including clothing and shoes, books, and gift cards. However, it’s not necessary to buy all your gifts or Christmas decorations. Consider making affordable handmade gifts to add a personal touch. There are demonstration videos online showing you how to re-purpose old items, bake homemade festive treats, create a special moments photo album or scrapbook. Mix Epsom salts, essential oils and dried flowers to create relaxing bath salts or scrubs. Use natural pine cones or salt dough to make ornaments. Make wreaths using pine branches, holly or dried oranges. Sew fabric garlands to place on the tree, fireplace or mantle. Instead of buying multiple extravagant presents for each person, try doing a Secret Santa. This is the low-cost tradition where everyone buys only one gift for one recipient who is chosen using an online tool. Gifts are then given anonymously. <h2>Festive food</h2> Festive food spending is projected to be <a href="https://www.roymorgan.com/findings/9736-ara-roy-morgan-media-release-christmas-spending-2024">$28 billion, up 4.2%</a>, this year, contributing to the overall increase in expected total Christmas spending. To save on food expenses, asks guests to bring a dish to share. Or celebrate Christmas with an economical picnic or BBQ, weather permitting. Get creative with food leftovers to make meals and reduce the amount of food waste, while stretching your wallet further once Christmas has come and gone. <h2>Managing costs, avoiding debt</h2> Sticking to your Christmas budget can feel rewarding. If you do overspend, reflect on why, and adjust your plan. If needed, explore debt options, like credit cards or personal loans, but only as a last resort. Thoughtful planning will help you manage your costs, while enjoying the festive season. After all, the true spirit of Christmas is about creating memories and enjoying time with loved ones, not about overspending.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244300/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/angelique-nadia-sweetman-mcinnes-1361909">Angelique Nadia Sweetman McInnes</a>, Academic in Financial Planning, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/track-your-spending-use-cash-and-diy-gifts-how-to-keep-your-costs-down-this-christmas-244300">original article</a>. </div>

Money & Banking

Aussie Vietnam vet reunited with lost war medals just in time

A Vietnam veteran has been reunited with his lost war medals that were missing for a year, just in time for Remembrance Day. When attending a Remembrance Day event in New Zealand last year, Townsville veteran Malcolm Edmiston lost his medals somewhere along the journey to Christchurch from Brisbane. The medals were left sitting unclaimed in Brisbane Airport's lost and found after being found in an airport terminal, before airport staff launched a social media campaign to find their owner. After seeing a post on Facebook, Edmiston was finally reunited with his precious medals just in time for this year's Remembrance Day events. "It's very good to have them back, great to have them back, I thought they were gone and gone for good," Malcolm told <a href="https://9now.nine.com.au/today/lost-war-medals-returned-to-vietnam-veteran-in-time-for-remembrance-day/b03bf4df-0d3c-440b-9783-1e6c7ac73a11" target="_blank" rel="noopener">Today</a>. "The zip was opened on my case and somehow they fell out, so it's a good reminder for us to take extra care when we pack." Malcolm was not the only one in his family to serve the country, sharing how his father served in the Royal Navy, he had uncles in the Royal Australian Air Force and and the Royal Air Force and a brother who served in Naval Reserve. His son also served in the Navy and with so many of his fellow Vietnam veteran soldiers no longer alive, having his medals back today is something special. "Remembrance Day is a very important day for me," he said. Brisbane Airport's media manager Peter Doherty added that he was thrilled to see the medals return to their rightful owner. He said, "For Malcolm's lifetime of service, the least we could do was the door-to-door service to get the medals back to him." Image credits: Today

Retirement Life

"The time has come": Ray Hadley announces retirement

After 43 years on air, Ray Hadley has announced he will be stepping back from his hosting role at 2GB. Hadley shocked his loyal listeners on Thursday morning, saying his extensive career has been "one hell of a ride". “It’s been a hell of a ride from a young bloke who wanted to call the races," he said. "But the time has come for someone else to do the job. So December 13 will be my last day broadcasting." “Apparently the story has broken somewhere. There’s always a leak somewhere, so I may as well do it now, earlier than I anticipated,” he said. “Sometimes you can’t keep things secret, and I suppose in the media, that’s what happens." “I’ve achieved far more than I ever thought I would. My children, Dan, Laura, Emma and Sarah, have made sacrifices over the years for me to realise my ambitions." "Back in September I turned 70, I started to think, how long I've got left on this Earth, and do I want to keep getting up at half past three in the morning, meaning I go to bed early. At social events I'm always the first out the door. I don't want to be the first out the door anymore." Hadley assured listeners he would not be disappearing completely, clarifying, "I'm not retiring from work. I'm just retiring from full-time radio. I'll bob up somewhere in 2025 but not in a full-time capacity, and certainly not on radio." Shortly after making the on-air announcement, NSW premier Chris Minns called into the show to share a tribute. “Ray, you shocked us all. What a massive day in New South Wales radio, and a huge loss for Sydney in particular," Mr Minns said. “We’re genuinely going to miss you. I’m in shock at the moment. It’s a distinguished career. It’s an incredible legacy. But if I was someone up in one word, I would just say fearless, a broadcasting career that’s been completely fearless, and you’ve never, ever pulled your punches in something that you believe in." Image credits: Instagram

Retirement Life

Our Partners

Over 60

News

Shop

Catalogues

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Games

Information

Keep up to date

Search

"Guilty": Erin Patterson spends first night behind bars

Is it OK to leave device chargers plugged in all the time?

"First time I've really cried": Star shares sad family news

Australia has the highest gambling losses in the world. Is it time for mandatory limits?

AFL star's wife spends wedding anniversary in hospital amid cancer battle

"It's time": ABC legend announces retirement

Returning home after a flood? Prioritise your health and take it one step at a time

Readers response: Who's your favourite vocalist of all time?

Man reveals what it's like to spend 25 years at sea

Despite decades of beach safety ads, at least 55 people have drowned in Australia this summer. It’s time to change tack

Home ownership is slipping out of reach. It’s time to rethink our fear of ‘forever renting’

Research suggests those who use buy-now-pay-later services end up spending more

John Farnham to become a grandfather for the first time

Women spend more of their money on health care than men. And no, it’s not just about 'women’s issues'

The 15 best destinations to spend Christmas

"About time": Coles bold parking move sparks debate

Lindt Cafe siege hero revealed for the first time

Track your spending, use cash and DIY gifts: how to keep your costs down this Christmas

Aussie Vietnam vet reunited with lost war medals just in time

"The time has come": Ray Hadley announces retirement

Our Partners